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Delaware health insurance
If you are a resident of Delaware and are going to buy a health insurance plan, you have come to the right place. On this page, we provide details on every kind of health insurance you can buy if you are a resident of Delaware. Since having a health insurance plan that caters to all your needs is so important, you will find this information invaluable.
Individual health insurance in Delaware
The laws governing health insurance for individuals is necessarily different from those governing group insurance. As an individual, you can buy any of the HMO, PPO or POS plans on offer. These plans differ in benefits, deductibles, co insurance levels and co payment rates.
Medical underwriting is legally allowed in Delaware. This means that an insurance carrier can refuse insurance covers to you on the basis of your health status. However, people who qualify under HIPAA cannot be excluded from covers because of a pre existing condition.
Moreover, the state does not provide a high risk pool for individuals who are unable to secure covers.
Groups and small business insurance in Delaware
Group insurance refers to a health insurance cover you get from a company as an employee or from an association where you are a member. Here also, medical underwriting is allowed and the rates can vary between plus or minus 35% of the indexed rates. The rates are determined according to the health, age and other factors. As a member of a group, you can get health insurance at cheaper rates because your employer pays a certain portion of the costs.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Delaware. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Delaware Medicaid plans
Medicaid plans are also offered in the state of Delaware. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Delaware also offers the Delaware healthy children program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Delaware Health Insurance Carriers
Our service is the best way for you to secure the most suitable Delaware health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Delaware Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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